You Don't Need an Employer to Have Great Insurance Options

Health coverage and supplemental benefits built specifically for Realtors, independent contractors, 1099 workers, freelancers, self-employed professionals and small business owners. We help you understand your choices, compare plans side by side, and enroll without the stress.

  • Options for every budget: solutions tailored to your income and coverage needs.

  • Side-by-side comparisons: clear breakdowns of deductibles, copays, provider networks and prescriptions.

  • Complete enrollment support: guided help during Open Enrollment or after major life events.

Affordable Care Act (ACA) Health Insurance

Marketplace coverage gives professionals without employer plans comprehensive individual and family health insurance.

Potencial Savings & Subsidies

Depending on your estimated household income and size, you may qualify for federal premium tax credits and cost-sharing reductions that significantly lower your premium and out-of-pocket costs. Eligibility and savings vary by individual circumstances and income guidelines.

Comparing Plans Made Simple

We evaluate Bronze, Silver and Gold tiers by looking at monthly premiums, annual deductibles and out-of-pocket maximums, copays and coinsurance for doctor visits, and total yearly cost projections.

Deductibles vs. Copays

Deductible: what you pay out of pocket for covered services before your plan begins to pay (varies by plan).
Copay: a flat fee paid at the time of service for office visits or prescriptions (varies by plan).

Provider Networks: In-Network Verification

A low monthly rate shouldn't mean losing your doctor. We confirm your primary care physician, specialists, preferred hospitals and urgent care clinics are in-network before you enroll.

Prescription Drug Coverage

We review formularies to confirm your medications are covered, check pricing tiers, and identify preferred in-network pharmacies to keep costs down.

Full Enrollment Assitence

We check subsidy eligibility, complete and submit your Marketplace application, help you select the plan that fits your needs and budget, confirm your coverage start date, and support you with account questions all year.

Open Enrollment & Qualifying Life Events

Enroll during the annual Open Enrollment Period. Outside that window, you may qualify for a Special Enrollment Period after a life event such as:

  • Loss of existing coverage

  • Moving to a new ZIP code or coverage area

  • Marriage, divorce or household changes

  • Having or adopting a baby

  • Significant income changes

Not sure if you qualify? We'll verify your eligibility for free.

Coverage Solutions for Self-Employed Professionals

Build the protection that fits your work, your family and your budget.

01

HEALTH INSURANCE

What it is: Comprehensive medical coverage for preventive visits, routine care, specialists and emergencies.

Ideal for: Self-employed professionals and 1099 workers who want protection against unexpected medical bills.

What it covers: Inpatient and outpatient care, preventive checkups, prescriptions and emergency services (subject to plan terms).

How we help: We compare plans across budgets, networks, deductibles and formularies to find the best balance.

02

DENTAL

What it is: Standalone or bundled coverage that makes routine and major dental care predictable.

Ideal for: Anyone who wants to avoid high out-of-pocket dental costs.

What it covers: Cleanings, exams, basic procedures (fillings) and major work (crowns, root canals), subject to plan terms.

How we help: We match you with plans that include your preferred dentist at the right coverage level.

03

VISION

What it is: Affordable routine vision care for everyday eye health.

Ideal for: Professionals who wear glasses or contacts, or want annual exams.

What it covers: Eye exams, lens allowances, frame discounts and contact lens coverage (subject to plan terms).

How we help: We review network providers and compare allowances to maximize your savings.

04

LIFE INSURANCE

What it is: Financial security that protects your family, personal assets and business if something happens to you.

Ideal for: Business owners, parents, and anyone with debts, mortgages or dependents.

What it covers: A tax-free death benefit paid directly to your chosen beneficiaries.

How we help: We calculate your coverage needs, compare term vs. permanent options and structure your beneficiaries properly.

05

LIVING BENEFITS

What it is: Life insurance riders that let you access part of your death benefit while living if diagnosed with a qualifying illness.

Ideal for: Independent professionals who rely on their active work to earn income.

What it covers: Support during qualifying critical, chronic or terminal conditions (subject to policy terms).

How we help: We explain how riders work and help you choose policies with built-in protection.

06

CANCER/CRITICAL ILLNESS

What it is: Supplemental insurance that pays a lump-sum cash benefit to you upon diagnosis of a covered illness.

Ideal for: Anyone wanting extra backup for high deductibles or everyday bills during recovery.

What it covers: A lump sum upon verified diagnosis of covered conditions such as cancer, stroke or heart attack (subject to plan terms).

How we help: We evaluate payouts and premiums so you get sensible protection without overpaying.

07

HOSPITAL INDEMNITY

What it is: A policy that pays cash directly to you for covered hospital stays.

Ideal for: Pairing with high-deductible health plans to protect your savings.

What it covers: Set cash payments per day or per admission for hospital confinement (subject to plan terms).

How we help: We structure coverage that offsets out-of-pocket costs from hospital stays.

08

SUPPLEMENTAL & DISABILITY PROTECTION

What it is: Voluntary accident and disability protections that safeguard your cash flow.

Ideal for: 1099 contractors whose income stops when they can't physically work.

What it covers: Out-of-pocket accident expenses and partial income replacement during recovery (subject to policy terms).

How we help: We build a customized bundle that protects your income and minimizes financial surprises.

Our 4-Step Process

Tell us about your needs


Share your budget, preferred doctors, prescription list, household size and timeline.

Explore your options

We pull the best options in your area and explain the differences in English or Spanish.

Choose your coverage


Pick the plan that balances monthly cost, deductible and network access.

Enroll with confidence

We guide you through the forms step by step to prevent costly mistakes.